There was a recent post here about a guy complaining about how much his property manager charges to send a letter, $45, 20-some posters chimed in that it was crazy and a rip-off, and then finally one of the most experienced property managers here explained that the price charged really involved personally sending certified mail from the post office, actually scheduling a trip involving the inevitable waiting period for getting it done, tracking the return receipt, logging all the information for use later in court if necessary.

While origination fees are never paid up front, fees for third party charges are almost always paid to get the loan submitted. 

I take points on top as a form of down payment; do you charge a separate fee?

It's such an emotionally charged thing it seems risky to show up alone on their doorstep-

If someone wants to bring in a dog I would charge 100 dollars a month extra.

I used to frequent them back when I did "architect" everyday. 

Ask for service call charges and sample scope of work.

It's hard to find quality ones even at 10% so I'd be cautious of any place that's only charging 8%.All in all it looks like you may be underestimating the expenses.

You can get water /sewer charges from the town in most cases.

I don't think you can even charge a higher deposit.